Legal & Regulatory Disclosures

General Disclosure

Mainlynk is not a lender and does not make credit decisions, underwrite, approve, decline, price, service or fund loans. Financing decisions are made solely by participating capital providers under their own policies and applicable requirements. Product availability, provider participation and relationship protections are subject to executed agreements and applicable product schedules.

Role Boundaries

Mainlynk operates as an institutional network governor, channel architect and lending platform builder. Mainlynk does not:

• Underwrite, approve, decline, price or structure individual loans
• Hold credit authority or act as a lender of record
• Represent borrowers in credit negotiations
• Guarantee credit approval, financing terms or funding outcomes
• Operate as a borrower-facing marketplace
• Charge borrowers fees unless expressly permitted under an approved product structure

Relationship Protection

Relationship protection applies only to validly designated protected activity under the applicable agreement and product schedule. Open marketplace activity is governed by separate terms and does not receive Mainlynk relationship protection. Relationship protection is not a guarantee of customer ownership.

SBA and Government-Guaranteed Lending

Where Mainlynk services involve SBA or government-guaranteed lending activity:

• SBA lenders retain full responsibility for all SBA lending functions.
• Agent status and permitted compensation are product- and activity-specific.
• Required disclosures and forms are completed as applicable.
• Mainlynk does not charge an applicant unless expressly permitted under an approved product structure.
• Contingency fees are not described or implied.
• SBA approval, lender approval or financing is not guaranteed.

Technology and Partner Certifications

Certification of a technology or consulting partner represents completion of Mainlynk's defined diligence and governance process. It is not a warranty of performance, a guarantee of outcomes or an endorsement of any specific product or service. Mainlynk discloses its economic interest in any certified partner relationship as required by applicable agreements.

AI-Assisted Services

AI-assisted outputs do not replace institutional credit judgment. Every machine-assisted credit-process step must retain a named human owner, defined decision rights and appropriate model-risk governance. Mainlynk's AI Evolution service is an organizational and operating-model advisory engagement; it does not constitute credit, legal, compliance or regulatory advice.

Last updated: August 2026. These disclosures are subject to change. Consult the applicable executed agreements and product schedules for binding terms.